Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › The Mortgage Firm
The Mortgage Firm
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
122
+3.4% vs 2024Originations
$24.3M
Loans x average loanAverage loan
$199,344
Average interest rate
6.72%
Denial rate
4%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 162 | 122 | $24.3M | $199,344 | 6.72% | 4% | 0% |
| 2024 | 178 | 118 | $22.3M | $188,729 | 6.94% | 4% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| FL | 110 | $22.4M | $204,000 | 6.76% | 4% | 0% |
| AL | 7 | $1.0M | $146,429 | 6.03% | 9% | 0% |
| NC | 1 | $245,000 | $245,000 | 5.49% | 0% | 0% |
| PA | 1 | $105,000 | $105,000 | 6.38% | 0% | 0% |
| TN | 1 | $145,000 | $145,000 | 6.99% | 0% | 0% |
| LA | 1 | $235,000 | $235,000 | 7.38% | 0% | 0% |
| IN | 1 | $125,000 | $125,000 | 7.13% | 0% | 0% |
Data source: Home Mortgage Disclosure Act (HMDA). Public annual data from the FFIEC and CFPB, loans reported with a manufactured home construction method. Informational only, not a recommendation of any lender.